Homeowners have seven primary paths to affordably finance a kitchen remodel, each suiting different financial situations. You can leverage your home’s value through traditional options like a Home Equity Line of Credit (HELOC) or a cash-out refinance, as well as through government-backed FHA 203(k) loans or newer renovation-specific loans that borrow against future value. For those who prefer not to use home equity, accessible solutions include convenient contractor financing, unsecured personal loans, and promotional 0% APR credit cards for specific purchases.
